Company Profile

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<p>LH Financial Group Public Company Limited is a holding company, established under the Bank of Thailand’s notification requiring that financial institutions have to restructure the shareholding structure of the group to be in line with the consolidated supervision guideline. The company was incorporated on 22 April 2009 with the initial registered capital of Baht 100,000. The core objective is to act as the holding company of the financial business group. <a href="https://www.lhbank.co.th/en/personal/" target=_blank rel=noopener>Land and Houses Bank Public Company Limited</a> is the subsidiary under the solo consolidation basis and Land and Houses Fund Management Company Limited is the subsidiary of the non-solo consolidation basis.</p>
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<p>On 27 November 2009, the Securities and Exchange Commission approved the company to offer the new securities and warrants according to the shareholding restructuring plan. On 1 December 2009, the company increased its capital by issuing the new ordinary shares to the existing shareholders of <a href="https://www.lhbank.co.th/en/personal/" target=_blank rel=noopener>Land and Houses Bank Public Company Limited</a> by exchanging with the existing ordinary shares of <a href="https://www.lhbank.co.th/en/personal/" target=_blank rel=noopener>Land and Houses Bank Public Company Limited</a> at the ratio of 1:1. Later, on 9 December 2009, the company registered the capital increase to exchange with the issued ordinary shares of the bank as paid-up shares with the Ministry of Commerce. After restructuring, the existing shareholders of <a href="https://www.lhbank.co.th/en/personal/" target=_blank rel=noopener>Land and Houses Bank Public Company Limited</a> became the shareholders of the company and the company held 99.99% of the paid-up share capital in <a href="https://www.lhbank.co.th/en/personal/" target=_blank rel=noopener>Land and Houses Bank Public Company Limited</a>.</p>
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<p>On 10 May 2011, the Stock Exchange of Thailand received the company’s ordinary shares as the listed securities and started its first trading day under the LHBANK symbol. And on 24 April 2018, the company changed the securities symbol to LHFG.</p>
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<p>On 22 January 2014, the company purchased 99.80% of the paid-up share capital of CIMB Securities International (Thailand) Public Company Limited and also purchased 99.99% of the paid-up share capital of CIMB Advisory (Thailand) Company Limited via CIMB Securities International (Thailand) Public Company Limited. Furthermore, on 15 January 2014, the Bank of Thailand allowed both companies to be included in the financial business group. The objective of the acquisition of stocks of the two entities is to expand the financial business of the financial business group into the area of securities business and financial advisory. Afterwards, the two companies have been renamed as Land and Houses Securities Public Company Limited and Land and Houses Advisory Company Limited, respectively.</p>
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<p>On 1 March 2016, the company restructured the financial business group and acquired 2,999,995 ordinary shares, accounting for 99.99% of the paid-up share capital of Land and Houses Fund Management Company Limited from <a href="https://www.lhbank.co.th/en/personal/" target=_blank rel=noopener>Land and Houses Bank Public Company Limited</a>.</p>
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<p>On 27 July 2017, <a href=https://www.lhfg.co.th/en/ctbc-bank target=_blank rel=noopener>CTBC Bank</a> partnered with the company by acquiring 35.617% of its the paid-up share capital which is equal to the combined portion of the shares held by Land and Houses Public Company Limited and Quality Houses Public Company Limited, 21.879% and 13.738% of the paid-up share capital, respectively.</p>
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<p>On 8 September 2021, <a href=https://www.lhfg.co.th/en/ctbc-bank target=_blank rel=noopener>CTBC Bank</a> acquired more shares from minority shareholders in aggregate of 10.99% of the paid-up share capital. As a result, CTBC holds 46.61% of the paid-up share capital.
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<h3 class="txt-head font-h-bold">Vision</h3>
<p class=txt-title>To be a highly respected <br><span style=color:#c0b300>financial group,</span><br>renowned for delivering exceptional financial solutions and setting industry benchmarks for excellence                </div>
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<h3 class="txt-head-box font-h-bold">Mission</h3>
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<div class="txt-title font-h-bold">To achieve stable and sustainable growth</div>
<div class=txt-desc>by providing innovative and professional financial services tailored to our target customers’ needs</div>
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<div class="txt-title font-h-bold">To cultivate a high-performance culture</div>
<div class=txt-desc>that invests in employee expertise, growth, and holistic well-being</div>
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<div class="txt-title font-h-bold">To lead with integrity</div>
<div class=txt-desc>by adhering to principles of good governance to promote lasting economic and environmental benefits while maximizing value for society, stakeholders, and shareholders</div>
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<div class="txt-title font-h-bold">To generate strong and sustainable returns</div>
<div class=txt-desc>creating long-term value for shareholders</div>
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<h3 class="txt-title font-h-bold" style=text-align:center>LH Financial Group Public Company Limited</h3>
<p class=txt-des>        is a non-operating holding company and a parent company of the financial business group. Therefore, business operations of the company can be categorized by the business of its subsidiaries which provide various forms of financial services to satisfy financial needs of customers comprehensively as follows:
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<div class=txt-des><strong>Investments :</strong> <br class=show-xs>LH Financial Group Public Company Limited</div>
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<div class=txt-des><strong>Commercial Banking :</strong> <br class=show-xs><a href="https://www.lhbank.co.th/en/personal/" target=_blank rel=noopener>Land and Houses Bank Public Company Limited</a></div>
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<div class=txt-des><strong>Fund Management :</strong> <br class=show-xs>Land and Houses Fund Management Company Limited</div>
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<div class=txt-des><strong>Securities :</strong> <br class=show-xs>Land and Houses Securities Public Company Limited</div>
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                    <div class="txt-name font-h-bold">Dr. Vorapol Socatiyanurak</div>
                    <div class=txt-rank>Chairman</div>
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<div style=text-align:left>        In 2025, Thailand's economy expanded amid global economic volatilities, supported by a significant acceleration in export activities before the U.S. tariffs taking effect. Meanwhile, private consumption continued to grow following policy rate cuts and government economic stimulus measures, while public investment increased in line with the fiscal year budget framework. However, service sector experienced a slowdown due to a decline in foreign tourist arrivals.<br><br></div>
<div style=text-align:left>        In 2026, Thailand's economy tends to experience a slowdown, driven by key factors. For instance, private consumption has been supported by easing monetary policies and government stimulus measures. Private investment is expected to witness continued expansion, particularly in the digital sector, which has recorded the highest value of investment applications with BOI to date. However, Thailand's economy is exposed to several risk factors, including the deceleration of the export sector once the temporary boost from front-loading to avoid tariffs; the influx of goods from both the United States and China putting pressure on domestic manufacturing; the recovery of Chinese tourist arrivals; high household debt; and tensions between Thailand and Cambodia that undermine cross-border trade and tourism.</div>
<div style=text-align:left><br>        In 2025, the company delivered strong operating results, recording a net profit of Baht 2,886 million, representing a growth of 40.98 percent compared to 2024. The company is committed to pursuing sustainable growth, with the vision of being a highly respected financial group, renowned for delivering exceptional financial solutions and setting industry benchmarks for excellence. In addition, the company prioritizes generating strong and sustainable returns, creating long-term value for shareholders as well as continuous business expansion. In this regard, digital technology and artificial intelligence have been integrated into both our work processes and customer services to deliver customer experience beyond expectations. At the same time, we focus on enhancing employee efficiency.<br><br></div>
<div style=text-align:left>        In 2025, the company won the awards of success including SET ESG Ratings 2025 at “AA” level by the Stock Exchange of Thailand, inclusion in sustainable stock for 5 consecutive year, and certificate of recognition as a leading organization in the “Climate Action Leading Organization (CALO) to Achieve the Net-zero Greenhouse Gas Emissions” program by Thailand Greenhouse Gas Management Organization (Public Organization).</div>
<div style=text-align:left><br>        <a href="https://www.lhbank.co.th/en/personal/" target=_blank rel=noopener>Land and Houses Bank Public Company Limited</a> also achieved commendable financial performance, with a net profit of Baht 2,655 million, representing a growth of 32.07 percent compared to 2024. The bank successfully expanded its loan portfolio and customer base. The bank maintained sound debt management. Moreover, the bank placed strong emphasis on assisting customers affected by trade wars, natural disasters including earthquakes and major floods, and supported sustainable loans aimed at reducing greenhouse gas emissions among its customers. Through these initiatives, our bank is dedicated to fostering long-term value creation and contributing responsibly to Thailand's sustainable economic development.<br><br></div>
<div style=text-align:left>        <a href="https://www.lhfund.co.th/?lang=en" target=_blank rel=noopener>Land and Houses Fund Management Company Limited</a> aims to drive its business by making use of data and digital technology for product and service enhancements. Its strategy for 2026 focuses on developing online systems and creating a consolidated portfolio platform via Single Sign-on system, enabling clients to access information, track portfolios, and make investment decisions efficiently. The company will also continue to tailor investment products linked to long-term megatrends by collaborating with professional organizations and leading institutions to enhance explicit knowledge and investment opportunities.<br><br></div>
<div style=text-align:left>        <a href="https://www.lhsec.co.th/" target=_blank rel=noopener>Land and Houses Securities Public Company Limited</a> has developed its digital technology systems to allow investors to constantly access its products and services through digital channels. For the strategies in 2026, the company aims to develop new investment products and services as well as improve diverse and comprehensive analyses covering all products in both Thai and overseas markets; upgrade service efficiency, technology systems and investment advisory services to enlarge the customer base and elevate engagement from existing customers; and manage costs effectively.<br><br></div>
<div style=text-align:left>        <a href=https://www.lhfg.co.th/en/committees-and-management/board-of-directors target=_blank rel=noopener>The Board of Directors</a> gives priority to good corporate governance, sustainable business operation with the awareness of environmental, social and governance principles and transparent management. This enables the company to adhere to the compliance guidelines on market conduct and personal data protection (PDPA).<br><br></div>
<div style=text-align:left>        The company would like to thank our valued customers, shareholders and all stakeholders for their trust and continued support for the financial business group, LH Financial Group Public Company Limited.</div>                    </div>
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Company Profile

Company Profile

Vision and Mission

Nature of Business Operation

Message from Chairman